The simple, one step, online facility allows potential and existing customers to establish their likelihood of being eligible for a Barclaycard, without the need to complete a full application.

The new service leaves a search ‘footprint’ on the customer’s credit file, to show their information has been accessed, but it isn’t a formal credit application and it will not affect their ability to get credit in the future. The pre-application check takes a couple of minutes and is available on the Barclaycard website.

This unique new service will not impact the applicant’s credit rating. Amer Sajed, chief executive of Barclaycard UK, explained: “Consumers currently need to apply in full for a credit card UK, without knowing whether they are likely to be accepted or not, leaving a search on their credit file which can potentially have a negative impact on their credit rating. This unique pre-application check solves this problem. The check can be completed in a few minutes and gives consumers a good indication of whether their application will be accepted.”

Since its launch, 4000 potential customers have used the pre-application check to determine whether they would be accepted for a Barclaycard, giving them a better idea of whether or not they would be successful in an application for a credit card.

As of August 2009, Barclaycard had 11.9m UK customers and a further 11.8m international customers, with 88,000 retailer/merchant relationships.

Via EPR Network
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